shop fpr food normally .. watch how much is tossed out , How much food is actually on the table each meals ,, end of the month people usually find 23-30 of left overs get tossed out and the majority of people cook more than what is needed ..

I cook mainly off portion control unless less it is something I know can be used up in lunches and left overs. It was a big shock to see where I was wasting money . I know plan my meals around what is on sale that week and what coupons cards I have for the items .

Car insurance is another one that can found cheaper on the phone or online .
Comprare prices for things such as TV/Cable? and phone service also.

Student loans are just horrible no way to lower them .

Good luck !